Matching principal and interest method: loan principal: 75,000 yuan, assuming annual interest rate: 7.000%, loan life: 3 years; Monthly repayment of principal and interest: 2,365,438+05.78 yuan, total repayment of principal and interest: 83,368.08 yuan, and total interest payable: 8,368.08 yuan. The interest paid in 1 month is: 437.5; The repayment principal of 1 month is:1878.28; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)